Senior Credit Analyst
1 week ago
We are seeking a highly skilled Credit Risk Manager - Small Business to join our team at Scotiabank. As a key member of our credit risk management team, you will be responsible for exercising sound credit judgment and providing quality underwriting decisions.
Key Responsibilities- Effectively analyze credit submissions, financial disclosures, and pertinent documentation within risk tolerances.
- Apply advanced credit judgment, usage of the applicable five C's of credit, and ensure consistent application of policies and processes are analyzed and documented.
- Adjudicate within established limits and exception authority and present quality recommendations on requests above established limits.
- Calculate financial ratios, identify appropriate credit conditions and security while understanding business and economic trends.
- Analyze credit reviews and apply corrective action where appropriate.
- Ensure all partner interactions are professional, respectful, and value-added.
- Provide recommendations/alternative solutions, and restructuring credit requests, with coaching/direction to partners as required.
- Act with a sense of urgency in response to partner requests to meet customer expectations.
- Deliver against established ACE Service Level Agreement targets.
- Contribute to the growth and quality of the Small Business Credit portfolio.
- Clearly identify risks and exceptions using strong rationale and associated mitigants to support the decision.
- Operate within the Bank's risk appetite and culture in day-to-day activities and decisions.
- Maintain acceptable application review ratings from internal quality assurance and audit.
- A comprehensive knowledge of the Bank's Small Business products/services.
- An expert understanding of the Bank lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration.
- Intermediate accounting and financial statement analysis.
- Strong analytical and problem resolution skills.
- Strong team player and skillful in developing harmonious relationships with Unit team members and stakeholders.
- Strong communication skills, written and verbal, in order to produce informative, concise and professional credit replies, presentations, and correspondence (Bilingual preferred).
- Strong organizational skills and the ability to prioritize work effectively and efficiently to meet the demands of a high-volume work environment.
- A rewarding career path with diverse opportunities for professional development.
- A culture that promotes teamwork and cross-functional collaboration to achieve business goals. Inclusive workplace that values diversity of thought, background, and experience.
- A competitive compensation and benefits package.
- Opportunity to work with a very enthusiastic team that helps our clients by ensuring the Bank is able to continue to operate to deliver key business services.
- Hybrid working environment allowing for work/life balance.
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Senior Credit Analyst
4 weeks ago
Mississauga, Ontario, Canada Citizens Business Bank Full timeSenior Credit Analyst Job OverviewThe Senior Credit Analyst position necessitates substantial experience and proficiency in credit evaluation, concentrating on the analysis of financial documents, tax submissions, and cash flow assessments for both corporate entities and individuals. Key duties encompass delivering comprehensive credit evaluations, mentoring...
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Senior Credit Analyst
4 weeks ago
Mississauga, Ontario, Canada Citizens Business Bank Full timeSenior Credit Analyst Job OverviewThe Senior Credit Analyst position demands substantial experience and proficiency in evaluating creditworthiness, emphasizing the analysis of financial documents, tax filings, and cash flow statements for both enterprises and individuals. Key duties involve crafting detailed credit proposals, mentoring junior analysts, and...
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Senior Credit Analyst
4 weeks ago
Mississauga, Ontario, Canada Citizens Business Bank Full timeSenior Credit Analyst Role OverviewThe Senior Credit Analyst position demands substantial experience and proficiency in evaluating creditworthiness, with a focus on analyzing financial documents, tax submissions, and cash flow for both enterprises and individuals. Key duties encompass the formulation of precise credit assessments, mentoring junior analysts,...
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Senior Credit Risk Analyst
2 days ago
Mississauga, Ontario, Canada Scotiabank Full time{"title": "Senior Credit Risk Analyst", "content": "Job SummaryAs a Senior Credit Risk Analyst at Scotiabank, you will play a critical role in analyzing credit submissions, financial disclosures, and pertinent documentation to ensure effective risk management within established tolerances.Key ResponsibilitiesAnalyze credit submissions, financial disclosures,...
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Senior Credit Risk Analyst
2 days ago
Mississauga, Ontario, Canada Scotiabank Full time{"title": "Senior Credit Risk Analyst", "content": "Job SummaryAs a Senior Credit Risk Analyst at Scotiabank, you will play a critical role in analyzing credit submissions, financial disclosures, and pertinent documentation to ensure effective risk management within established tolerances.Key ResponsibilitiesAnalyze credit submissions, financial disclosures,...
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